Incompetent staff who can't follow simple instructions, lost paper work, advisers who can't advise "it depends" or "a few weeks". Try and complain and they won't put you through to anyone! E-mail down! My retirement has come and gone, due to have a family holiday at the end of November with some pension draw down money, but that now seems unlikely as "paperwork will be sent out by the 20th" DREADFUL service. Lost paper work!!!

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